Credit Analyst Case Study: Commercial Lending for Equipment Rental

How do commercial lenders evaluate high-stakes business loan requests and win competitive deals? This text-based course takes you step-by-step through a realistic case study of an industrial equipment rental company seeking financing. You will transition from understanding basic credit terminology to evaluating complex financial profiles and structuring a viable debt package. By studying this scenario, you will learn how to balance risk assessment with client needs to draft a compelling credit proposal. What you'll learn: - Understand foundational commercial lending concepts and credit analysis workflows. - Analyze key financial statements, debt service coverage ratios, and leverage metrics. - Identify industry-specific risks inherent to heavy equipment rental businesses. - Structure competitive loan terms, including covenants and collateral requirements. - Evaluate creditworthiness and outline a professional credit proposal. - Apply modern risk mitigation techniques to protect lender interests. The course begins with essential credit underwriting principles and industry definitions before walking you through the financial analysis, risk assessment, and deal structuring phases of the case study. This structured approach ensures you build a solid foundation before tackling complex decision-making. This course is designed for aspiring credit analysts, commercial bankers, and finance students who want to understand real-world lending scenarios with no prior credit underwriting experience required. Prepare to build your commercial credit skills and master the fundamentals of deal structuring.